Okay stupid question

[boauld]

BofA i didnt get preapproved idk why i good on my credit

[Creditaddict]

Have you pulled your fico credit reports to make sure they are accurate and get your score?

I would suggest doing that before applying for anything especially since you didn't get pre-approve from BofA

[boauld]

i have pretty good credit eq-711 ex-688 and tu-692.  those are my fico from may 26...

[Creditaddict]

you should get approved with those scores.

Try Chase or Citi.

If you get declined, call back door and do recon.

[Anonymous]

If you are opted out of have a fraud alert on file, the pre-approvals won't work.

[smallfry]

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@boauld wrote:

BofA i didnt get preapproved idk why i good on my credit

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I would apply for the Visa Platinum Plus if you don't have any negatives on your reports. 8.5% interest rate no AF and BOA is very liberal with CLI's.

[Creditaddict]

I wouldn't waste an inquiry with BofA if you don't get a pre-approval UNLESS you are on the opt-out like previous poster stated.

[boauld]

how do you if your report is in fraud alert?

[boauld]

who does BoA pull? I make 75k a year and I got good scores I just want a good card for once

[Anonymous]

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boauld wrote:
how do you if your report is in fraud alert?

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Have you requested a fraud alert be placed on your files? Sometimes the CRA's will place them on them if you have disputed anything as 'not mine'. It is suppose to cover them and you in case your identity has been stolen and to help stop other's from applying for credit in your name. You can always call them to make sure there isn't one.